Medically necessary treatment is defined as any treatment, tests, medication or stay in hospital or part of a stay in hospital which (a) is required for the medical management of the illness or injury suffered by the insured (b) must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration or intensity (c) must have been prescribed by a medical practitioner. (d) Must conform to the professional standards widely accepted in international medical practice or by the medical community in India.